I. Conditions for applying for provident fund loans:
1, provident fund account has been opened 12 months.
2. Provident fund has been paid 12 months.
3. I am now making a normal deposit.
4. At present, there are no outstanding family provident fund loans.
2. Loan amount of provident fund loan:
1, (individual contribution/individual contribution ratio -400)/ repayment coefficient per 10,000 yuan;
You can borrow 80% of the appraised value of the house you want to buy.
3. Generally, the maximum loan is 800,000. If the credit rating is AAA, the maximum amount can reach 920,000 yuan, and the maximum amount of AAA can reach 6.5438+0.04 million yuan.
The above three articles also limit the maximum loan amount of provident fund loans. When there are differences between them, the one with the lowest loan amount shall prevail.
Iii. Term of the loan:
1, up to 30 years.
2. Term of loan
3. Term of the loan
The above three items also limit the maximum loan life of provident fund loans. When there are differences between them, the minimum loan period shall prevail.